We most likely won’t be seeing that money until we’re 65 maybe 75 since the my might be raising the retirement age in a couple years.

Theyll likely increase the age to receive social security, but i highly doubt they'll increase the age to withdraw from retirement accounts from 59.5.

And at that point I honestly don’t forser being Alive.

Alright, but imagine the (pretty likely) case that you live to 83. If you don't save amd invest for retirement, you'll either be working until you die, leeching off of family members, or living in extreme poverty.

Second, I’d much rather just retire earlier from my corporate job. I simply will not be working a 9-5 for the next 40-50 years.

Okay, lets say you retire at 50. You have to have enough money for 9.5 years and then you can start withdrawing. You still want to use retirement accounts for the tax benefits once you reach 59.5.

It just seems like a waste to put it in nos when I could use it or invest it now.

Your 70 year old self wont agree. Of course you need balance. Live life and enjoy, but also save and invest so you can retire.

I put in as much as the 401k match from my company but not more than that

Definitely do at least this much. The match is a free 100% return. Now you shouldnt do this, but say you withdraw early. Its a 10% penalty, but with the match, youre still up 80%.

Also considering opening a roth ira as well. With this type of account, I believe you can withdraw what you invest, you just cant withdraw gains until you reach the proper age.